Actually, in New York State, car insurance is a requirement - and you must carry it with you at all times while driving. If you don't have insurance and a cop pulls you over, you can get a very big ticket, on top of whatever else he pulled you over for (also if you're in an accident and you dont have the insurance information at hand). If someone else hits me and they're uninsured - I'm going to be doing what the insurance company does when I get into an accident. I take them to court - and sue them. You DO realize that's what they do right? You DO also realize that your insurance company is making a lot of money just by you getting hit. When you get hit and you have insurance, your insurance company sues the other person's insurance company. That's how it works. So yes, I do know how this works. You stfu, thanks. I'd rather not pay $100-$150/month for car insurance, get hit by some dumbass, and get a payoff of $40,000 from their insurance company rather than have my insurance company sue them, have them take 90% of it, and give me the 10% of that $40,000. They're a bunch of theives.